Long Insurance Services of Kernersville, NC


  Contact : 336-992-5664

All posts by Monte Long

Duane Long - Monte Long

Duane Long + Monte Long

We provide Property, Casualty and Life insurance for personal and commercial needs.
Individual: Home, Auto, Life, etc. … Business, Prop., Casualty, WC, etc.

See https://www.facebook.com/DuaneLongInsurance/ for local news!

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Umbrella Policy

Why Should I Consider a Business Umbrella Policy?

As a proud business owner, it’s your job to consider the “what-ifs” for your business. Of course, you don’t want to think about the worst… but in order to be prepared, it’s a necessity. No matter how careful or cautious you and your employees are, accidents do happen – and sometimes they can be serious.

 

If you experience a catastrophic accident, things can get costly… and fast. That’s where your ERIE agent and ERIE’s Business Umbrella Policy can help.

 

Why Do I Need a Business Umbrella Policy?

This specialized policy can kick in with extra financial protection against a legal judgment for a covered loss. Business umbrella liability offers a cushion above and beyond the limits of your commercial general liability, professional liability, business auto liability and employer’s liability insurance.

 

Business umbrella insurance could help you when facing a serious and costly claim, for example:

 

  • One of your drivers causes a very serious accident and a suit is filed against your business.
  • A fire starts at your owned location and damages several other buildings in the surrounding area. A suit is filed against your business for the resulting damage.
  • Your business gets sued because a customer is injured by a product he or she purchased through your business.
  • A competitor claims you made false or malicious statements about their business in public or in an advertisement and decides to take legal action.

 

A major claim, like those mentioned above, could threaten the very existence of your business. And if a claim is serious enough, it could even have the potential to put your own personal assets — like your home and your retirement account — at risk.

 

What Erie Insurance Offers

ERIE’s Business Umbrella coverage offers your business $1 million or more of extra protection above your primary Erie Insurance policy’s liability coverage.

 

ERIE’s business policies also give you access to a variety of resources including:

  • Coverage for legal costs to defend a covered claim.
  • Assistance from a risk control consultant who can recommend measures to help you identify, manage and reduce your business’s risks (Learn more about our risk control services.)
  • Access to online disaster planning and business continuity tools through the Institute for Business and Home Safety’s “Open for Business” program.

 

Business umbrella insurance is probably more affordable thank you think.

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Lost Insurance Policy

Lost Life Insurance Policy

It’s estimated that $1 billion in benefits from forgotten and lost life insurance policies are sitting unclaimed in America, says Consumer Reports. Could you be among the estimated 1 in 600 people who may be the beneficiary of an unclaimed life insurance policy?

If so, there are ways to find out. Here are some tips to help.

5 WAYS TO LOCATE A LOST LIFE INSURANCE POLICY

  • Comb the house. Sometimes the thing we’re missing is right under our nose. First, go through any files or safe deposit boxes where the lost life insurance policy may be before launching a full-fledged investigation.
  • Think back to the beginning. Which insurance agent may have sold it? Which insurance company may have issued it? What was the name and Social Security number of the person who bought it? Was the policy a term or permanent life policy? Any information you can remember will help the insurance agent and/or customer representative you contact.

    Related: What’s the Difference Between Term and Whole Life Insurance?

    You might also have to contact any attorneys, financial advisers, accountants or other advisers who might have had something to do with issuing the policy.

    Also consider contacting the deceased individual’s former employer. Many times the policies are group policies that were originally taken out through an employer.

    If the policyholder passed away relatively recently and you have the authority or permission, take a look at the deceased person’s bank statements for premium payments or policy-related material.

  • Contact your state’s insurance department. Generally, an insurance company that is unable to locate a policy’s beneficiary is required to turn over the benefits to the state’s unclaimed property office after a certain number of years have passed. Think about the state in which the policy could have been issued. Then visit the National Association of Insurance Commissioners website to learn how to contact your state insurance department.
  • Look it up online. The National Association of Insurance Commissioners (NAIC) has a free website that makes it easy to search a number of life insurance and annuity companies at once. You can run a search if you’re the executor or legal representative of a deceased person, or if you have reason to believe you’re a beneficiary.

    Submit a request or read the FAQ at the Life Insurance Policy Locator Service website. You can also check in with the National Association of Unclaimed Property Administrators, which operates the website MissingMoney.com.

  • Watch out for scammers. There are life insurance scams out there whereby an “insurer” promises to reunite you with unclaimed funds. Don’t immediately respond to someone claiming to be the representative of an insurance company. Instead, call that insurance company’s claims number to see if the offer is legit.

HOW TO PREVENT A LOST LIFE INSURANCE POLICY IN THE FIRST PLACE

Life insurance is a powerful agent of relief. Taking care of the future needs of your loved ones makes you feel capable, purposeful and satisfied.

Spare yourself and your beneficiaries from the hassle caused by a lost life insurance policy by following this advice:

  • Clearly name your beneficiaries on the policy.
  • Let your beneficiaries know about the policy. Also tell them the name of the insurance agent and company that issued the policy.
  • Keep your insurance documents in a safe, logical place like a fireproof safe or bank safe. Not sure what kind of safe to buy? Read our guide to safe storage of important documents.

When you count on ERIE to help plan for the future, we’ll help you consider the variables, lay out the options and make the process comfortable and efficient.

Learn more about our flexible and affordable life insurance* options, or find a local ERIE agent to talk it through in person.

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Winter Car

How NOT to Drive in Winter Weather

Winter driving has its challenges. But throw an inexperienced — or inconsiderate — driver into the mix, and your daily commute can get much more difficult.

It’s always aggravating when other drivers put you at risk. Getting stuck behind a driver who is spinning their tires or not paying attention isn’t just annoying… it’s dangerous.

Related: The 7 Biggest Winter Driving Myths, Debunked

Winter driving calls for quick decision making, patience and a little bit of know-how. Below you’ll find ways to spot a rookie winter driver — and how to avoid looking like one yourself:

6 COMMON MISTAKES OF WINTER DRIVERS

  1. Tailgating: Usually, drivers tailgate because they want the car in front of them to go faster. This is never OK, especially in the winter months. It takes longer to come to a stop in the winter, so you should always put more distance between you and the car ahead. Impatience on the road rarely pays off – tailgating just puts you and others at risk.
  2. Speeding: Speeding can get you into trouble quickly. Make sure you’re never driving faster than what is safe for the conditions. In snowy or icy conditions, that probably means driving below the speed limit. The faster you’re going, the more likely you are to lose control or slide into another car. Expect traffic to move a little slower in the winter and allow extra time to get to your destination.
  3. Getting stuck: Driving through deep snow may sound like fun, but chances are it will leave your tires spinning. For your own safety, know when to stay off the road altogether and drive carefully to avoid losing traction in the first place. After all, getting stuck is easy – getting out isn’t.
  4. Ice on the windshield: If your car has snow or ice on the windshield, it can be tempting to save time by letting your wipers or defroster remove it as you drive. But driving without full visibility is like driving blindfolded. Use a snow brush or ice scraper to clear your windshield entirely every time you get behind the wheel.  (And don’t just clear a little “window” you can see through!)
  5. Snow on the roof: If you’ve ever driven behind someone with snow on their roof, you know it can be an accident waiting to happen. If your car is covered in snow, take the time to clear your roof before you tackle the windows. You’ll keep snow from falling in your field of vision and from hitting the drivers behind you.
  6. Driving with high beams on: This can be frustrating in any condition, but some people think that high beams will increase your vision during whiteouts or heavy snowfall. In fact, fog lights and low beams will do much better. Learn what to do if you get stuck driving in a whiteout.

Just like other people’s driving, winter weather can be unpredictable. But even the safest, most experienced drivers can get into an accident. That’s why it’s important to have the right insurance to protect you and your vehicle. Learn about the extras available with every Erie Insurance auto policy.

WANT MORE TIPS FOR WINTER DRIVING?

Check out these related articles:

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IIHS-Safety

IIHS: The Safest Cars of 2019

Shopping for a new car can feel a little overwhelming – especially with today’s high-tech safety features. From crash avoidance to emergency autobrake, today’s car shoppers have more options than ever before.

Luckily, the Insurance Institute for Highway Safety gives us common folks a great place to start with their annual list of TOP SAFETY PICK awards. Whether you’re actively shopping or just seeing what’s out there, here’s what made the cut for 2019.

HOW IT WORKS (AND WHAT THEY SCORE)

Since 2006, the safety experts at the IIHS (a nonprofit research and education organization) conduct tests to determine which vehicles do the best job of protecting people in the most common kinds of crashes — front, side, rollover and rear.

Related: Learn more about the science of road safety at the IIHS

This isn’t a participation trophy. Standards for the TOP SAFETY PICK and TOP SAFETY PICK+ awards are tough. Over time, the IIHS has strengthened the criteria as new technology – and crash test protocols – become available. In the 2013 model year, they added the top-tier “plus” award to acknowledge the best of the best.

Here’s what this year’s winners had to do to earn each award:

  • TOP SAFETY PICK+: This year, 30 models were awarded the top-tier award. These all earned the highest rating for passenger-side protection in a small overlap front crash and have good-rated available headlights. (Headlight testing was added to the criteria just last year.)
  • TOP SAFETY PICK: The 27 winners of the second-tier award earned acceptable or higher rating in the passenger-side small overlap front test and the nighttime headlight evaluation.
  • Both: Together, all 57 award-winning vehicles have good ratings in the IIHS’ five other crashworthiness evaluations. They all also have an available automatic emergency braking system that rates advanced or superior for front crash prevention.

For more details on how crash tests work (and what they look for), visit the safety ratings page on the IIHS website.

THE 2019 TOP SAFETY PICK+ WINNERS

After the IIHS toughened up its testing criteria for 2018, only 15 vehicles earned the top-tier “plus” rating. In turn, auto manufacturers stepped up their game. For 2019, the winners’ list doubled to a total of 30 vehicles.

Here they are by category:

Small Cars:

  • Honda Insight
  • Hyundai Elantra (built after September 2018)
  • Kia Forte
  • Kia Niro hybrid
  • Kia Niro Plug-In Hybrid
  • Subaru Crosstrek
  • Subaru Impreza 4-door sedan
  • Subaru Impreza wagon
  • Subaru WRX

Midsize Cars:

  • Hyundai Sonata
  • Kia Optima
  • Subaru Legacy
  • Subaru Outback
  • Toyota Camry

Midsize Luxury Cars:

  • Genesis G70
  • Lexus ES

Large Car:

  • Toyota Avalon (built after September 2018)

Large Luxury Cars:

  • BMW 5 series
  • Genesis G80
  • Genesis G90
  • Mercedes-Benz E-Class 4-door sedan

Small SUVs:

  • Hyundai Kona
  • Mazda CX-5

Midsize SUVs:

  • Hyundai Santa Fe
  • Kia Sorento
  • Subaru Ascent

Midsize luxury SUVs:

  • Acura RDX
  • BMW X3
  • Mercedes-Benz GLC
  • Mercedes-Benz GLE-Class

Want more? See the remaining 27 winners in the TOP SAFETY PICK category (plus safety ratings for older cars) at IIHS.org.

AUTO INSURANCE FOR NEW AND USED CARS

If you’re shopping for a car, you’ll also need car insurance. Get an online auto insurance quote or check out these helpful links for further reading:

Whether you’re buying your first set of used wheels or moving up to your first brand new car, we’re eager to help you find coverage that’s the right fit for your pride and joy.

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